Zillow Home Loans in Montana vs the state
7.1%Denial rate-7.68 pts vs state
9.5%Decision denial rate-9.18 pts vs state
67.9%Origination rate+5.88 pts vs state
6.88%Median rate+0.25 pts vs state
0.39Rate spread (pts)+0.15 pts vs state
$100kMedian applicant income
19Loans originated
2Denied
Trend in Montana
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 21 | 17 | 0.0% | 6.75% | #116 |
| 2024 | 29 | 22 | 3.5% | 6.56% | #107 |
| 2025 | 28 | 19 | 7.1% | 6.88% | #125 |
What Zillow Home Loans lends in Montana
By loan purpose
By loan type
Why it denied Montana applicants
Where in Montana
Counties with the most Zillow Home Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Lewis and Clark County | 4 | 2 | 0 | 0.0% |
| Yellowstone County | 3 | 3 | 0 | 0.0% |
| Lake County | 3 | 1 | 0 | 0.0% |
| Ravalli County | 2 | 1 | 0 | 0.0% |
| Cascade County | 2 | 2 | 0 | 0.0% |
| Gallatin County | 2 | 2 | 0 | 0.0% |
| Lincoln County | 1 | 1 | 0 | 0.0% |
| Deer Lodge County | 1 | 1 | 0 | 0.0% |
| Carbon County | 1 | 1 | 0 | 0.0% |
| Toole County | 1 | 0 | 0 | 0.0% |
Other large lenders in Montana
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Glacier Bank | D | 3,018 | 16.2% | 7.25% |
| Stockman Bank of Montana | B | 2,911 | 6.3% | 6.88% |
| Rocket Mortgage | C | 1,999 | 17.5% | 6.75% |
| United Shore Financial Services | B | 1,857 | 9.2% | 6.25% |
| Opportunity Bank of Montana | B | 1,608 | 9.8% | 6.88% |
| Evergreen Moneysource Mortgage | B | 1,158 | 1.1% | 6.25% |
| U.S. Bank | D | 1,024 | 27.1% | 7.13% |
| First Interstate Bank | D | 987 | 22.9% | 8.25% |
| Mortgage Research Center | C | 940 | 16.7% | 6.13% |
| Crosscountry Mortgage | B | 920 | 5.1% | 6.63% |
Frequently asked questions
Montana: 28 applications in 2025, of which 19 were originated and 2 denied.
7.1% of all applications, or 9.5% of the applications it actually decided on. The Montana statewide average across all lenders was 14.8%.
The median rate on loans Zillow Home Loans originated in Montana in 2025 was 6.88%, against a statewide median of 6.63%.
About this data. Figures are Zillow Home Loans's own HMDA filing for properties located in Montana, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology